Some credit card companies allow cardholders to skip payments for up to six months under certain circumstances, but it is almost never in a cardholder's interest to do so. ███████ ███████ ██████████ ██████ ███ ███████████████ ███████ ███ ███ ████ ██ ███ ██████████ ██ ████ ███████ ██ ███ ████ ████
Although the stem is pretty unconventional, this is a Parallel question: the stimulus features an argument that illustrates a principle, and the answer choices are also arguments that (presumably) illustrate principles.
So our job is to read the stimulus and extract the abstract principle behind the argument, then look for the answer choice in which the argument relies on that same abstract principle.
In this particular question, many of the answer choices (including the correct one) state the conclusion first, whereas the stimulus states the conclusion in the middle. That’s fine! Order doesn’t matter when evaluating whether two arguments have the same logical structure.
The argument first introduces the context that skipping payments is an option people have, then concludes that option is a bad one. It then supports this conclusion by noting that skipping payments leads to a greater long-term cost.
The abstract principle? If an option features downsides in the long-run, it’s bad (even if there are short-term benefits). Incidentally, this is an excellent example of cost-benefit analysis, a common form of reasoning on the LSAT.
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It is better ██ ██████ ██ █ ████ █████ ██ █████████ ████ ██ ████████ █ ███ ████ ████████ ████ █████████ ████████ ████ ███████ ███ ██ █████████ ████ ██████ ██ ███ ████ ████ ██████ █ ███ ███████ ████████ █ ███ ███████ ███████ ██████ ██ ████████
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